CPF
CPF & Retirement
See what your CPF could grow to, what CPF LIFE may pay and the number you need to retire.
Start With These Three
How Much Do I Need To Retire?
S$2,351
Worked example: a month to retire at 60, from age 35
Retirement Number Planner
Work Out My Number →How Much Will My CPF Grow By 55?
S$316,211
Worked example: OA and SA together at 55, example only
CPF Projection Calculator
Work Out My Number →How Much Will CPF LIFE Pay Me Each Month?
S$1,780
Worked example: a month from 65, example reference only
CPF LIFE Payout Estimator
Work Out My Number →
Start Here · 4 Min ReadWhere Should I Start With CPF And Retirement Planning?Read The Start Here Guide →More CPF Calculators
CPF & Retirement Guides
Where Should I Start With CPF And Retirement Planning?
Where to start with CPF and retirement: plan your spending first, then match CPF, payouts and savings to when you can use each one.
How Much Do I Need To Save Each Month To Retire At 60?
See how spending, retirement age, returns and inflation add up to a monthly saving target, with a worked example of retiring at 60 from age 35.
How Much Will CPF LIFE Pay Me Each Month?
Read the published CPF LIFE payout reference, keep age-55 savings apart from age-65 income, and plan for the years before your monthly payouts start.
More CPF & Retirement Guides
Most Asked Questions
Which CPF Calculator Should I Start With?
Still working? Start with the Retirement Number Planner to see what your target needs each month, then project your CPF to 55. Already getting payouts? Start with the CPF LIFE Payout Estimator.
Do These Calculators Use My Real CPF Balances?
No. You type in your own numbers from your CPF statement. Nothing is pulled from CPF or Singpass, and your inputs stay in your browser unless you choose to save a result.
Are The CPF Figures Exact?
No. They are estimates based on the rates and rules shown with each result. Your real balances and payouts depend on CPF’s own records and future rule changes, so check cpf.gov.sg before you act.
Where Do SRS And CPF Top-Ups Fit In?
The SRS Optimiser shows the tax an SRS contribution could save. CPF Top-Up Vs SRS Vs Invest compares the three side by side for the amount you enter.
I Am Already Retired. Where Should I Start?
Follow Make My Savings Last In Retirement: your CPF LIFE payout, how long savings last, steadier income, care costs and your will, in that order.
Follow A Step-By-Step Path
General information, not financial advice. Every calculator gives an estimate from the numbers you enter and the assumptions shown with its result. Worked examples come from our guides and use made-up inputs. Rates and rules change, so check the official source before you decide.
Free Retirement Checklist
Give Your Retirement Plan A Clearer Direction
Keep your CPF questions, future spending and next steps in one retirement checklist.
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